#1, because its not traceable to the culprit. Gas station, restaurant can be traced easily via cameras and data records/receipts, which is why it doesnt happen. Westores are a little less secure, but most dont retain your CC info on file. PSN has already been hacked and the data stolen, so its just more a matter of time. Granted, most people have likely cancelled those CCs by now, if they were smart, at least.
Your comparison is the difference about worrying about your kid being kidnapped vs. your kid already abducted by kidnappers. Its a matter of possession.

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